1) Insurance companies could drop you for a multitude of reasons. Literally, Google it, it's a real issue. People would be diagnosed with a sickness they didn't know they had, and insurance companies would drop them because they 'lied' when they filed for insurance.

2) You want to pay less, because you're healthy, that's fair. People with cancer want to live. Is that fair? They can't do that if insurance companies are raking them over the coals. Your concept of fairness is basically 'I want affordable health care for middle class white males with perfect health, and fuck anyone else.'

Oh Lord...as to your third comment, it's clear I'm dealing with someone who obviously has contempt for foreigners. I can't help you there. But would you really have the heart to deport a guy who's in the middle of having a heart attack? And if you answer yes...what does that say about you?